Legal analysis: If the credit card is in arrears, freezing the account in the court will only freeze the debtor's account and assets, and the assets of other relatives will not be frozen. If the card is used to pay the fee in arrears, the bank will only target the parties, not others. The main consequence of credit card failure is: 1, which will generate high overdue interest. 2. Will be sued by the bank to the court, resulting in legal fees, attorney fees and other economic losses. 3. Individuals will have bad credit records, which will have an impact on future bank cards and loans. 4. The amount owed is more than 6,543,800 yuan, which constitutes the crime of credit card fraud and should be investigated for criminal responsibility.

Legal basis: Provisions on Attachment, Seizure and Freezing of Property in Civil Execution by People's Courts Article 2 The people's courts may attach, attach and freeze chattels possessed by the person subjected to execution, immovable property registered in the name of the person subjected to execution, specific chattels and other property rights. Unregistered buildings and land use rights shall be determined according to the approval documents of land use rights and other relevant evidence.